CN110490564A - A kind of payment control method and device - Google Patents
A kind of payment control method and device Download PDFInfo
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- CN110490564A CN110490564A CN201910706613.XA CN201910706613A CN110490564A CN 110490564 A CN110490564 A CN 110490564A CN 201910706613 A CN201910706613 A CN 201910706613A CN 110490564 A CN110490564 A CN 110490564A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
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Abstract
Disclose a kind of payment control method and device.Virtual payment mechanism is introduced, distributes certain virtual payment amount in advance for buyer user.After e-commerce platform creates trade order according to the transaction initiation request of buyer user, if it is determined that the transaction amount in trade order is less than or equal to the virtual payment amount of buyer user, it can be directed to trade order using the virtual payment amount of buyer user and carry out virtual payment, so that the state of trade order has been paid by not paying to switch to, then, prepaid trade order could be pushed to seller user by e-commerce platform, promote the execution of transaction.If buyer user wants to Cancel Transaction in transaction implementation procedure or after transaction execution, the virtual payment amount that e-commerce platform only needs to reduce returns to buyer user.
Description
Technical field
This specification embodiment is related to information technology field more particularly to a kind of payment control method and device.
Background technique
In Internet era, can be traded between men by e-commerce platform.
In the transaction system design of existing e-commerce platform, when buyer user initiates transaction, transaction system can be created
Build trade order.After buyer user completes payment for trade order, trade order can be just pushed to by e-commerce platform
The seller executes trade order (such as deliver, provide service) by the seller.Specific payment method is one side of e-commerce platform
Transaction amount is deducted in face from the account of buyer user, on the other hand to increase in the associated transaction guaranty account of this transaction
Transaction amount.
It is subsequent, it, can be with if buyer is satisfied to the trade order implementing result of the seller (such as being satisfied with to the cargo received)
Notice e-commerce platform confirms the trade order implementing result, and e-commerce platform can will be more than in transaction guaranty account
Volume is transferred to the account of the seller；If buyer wants that Cancelling Transaction (may be to regret initiating transaction, or execute knot to trade order
Fruit is dissatisfied), then e-commerce platform reimbursement can be required, e-commerce platform can detain one side from transaction guaranty account
On the other hand money beats money into the account of buyer.
However in practice, the case where buyer Cancels Transaction often occurs, in this case, existing payment controlling party
Method process is excessively cumbersome, expends the system resource of e-commerce platform.
Summary of the invention
In order to simplify the payment control flow of e-commerce platform, system resource is saved, this specification embodiment provides one
Kind payment control method and device, technical solution are as follows:
According to the 1st of this specification embodiment the aspect, a kind of payment control method is provided, is distributed in advance for buyer user empty
Quasi- payment amount, which comprises
After receiving the transaction initiation request that the buyer user sends, trade order is created；
Judge whether the virtual payment amount of the buyer user is less than the transaction amount N specified in the trade order,
If it is not, then carrying out virtual payment operation；The virtual payment operation includes: to reduce the virtual payment amount of the buyer user
N；
After completing virtual payment operation, the trade order is pushed to seller user, so as to the seller user
Execute the trade order；
If receiving the transaction that the buyer user sends cancels instruction, by the virtual payment amount of the buyer user
Increase N.
According to the 2nd of this specification embodiment the aspect, a kind of payment control device is provided, is distributed in advance for buyer user empty
Quasi- payment amount, described device include:
Order creation module creates trade order after receiving the transaction initiation request that the buyer user sends；
Judging treatmenting module judges whether the virtual payment amount of the buyer user is less than in the trade order and specifies
Transaction amount N, if it is not, then carrying out virtual payment operation；The virtual payment operation includes: by the virtual of the buyer user
It pays amount and reduces N；
The trade order is pushed to seller user after completing virtual payment operation by order pushing module, so as to
The seller user executes the trade order；
Amount recovery module, if receiving the transaction that the buyer user sends cancels instruction, by the buyer user
Virtual payment amount increase N.
Technical solution provided by this specification embodiment introduces virtual payment mechanism, is in advance buyer user's distribution one
Fixed virtual payment amount.After e-commerce platform creates trade order according to the transaction initiation request of buyer user, if really
Determine the virtual payment amount that the transaction amount in trade order is less than or equal to buyer user, so that it may use the void of buyer user
Quasi- payment amount carries out virtual payment to be directed to trade order, so that the state of trade order has been paid by not paying to switch to,
Then, prepaid trade order could be pushed to seller user by e-commerce platform, promote the execution of transaction.If buyer
User wants to Cancel Transaction in transaction implementation procedure or after transaction execution, then, due to the buyer before executing transaction
User has only carried out virtual payment, and not carrying out actual delivery, (i.e. the account of buyer user is not withholdd, and transaction guaranty account does not have
Have gathering), therefore, after transaction is cancelled, the virtual payment amount that e-commerce platform only needs to reduce returns to buyer user
, it is easy to operate quick, biggish resource pressure will not be caused to system.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
This specification embodiment can be limited.
In addition, any embodiment in this specification embodiment does not need to reach above-mentioned whole effects.
Detailed description of the invention
In order to illustrate more clearly of this specification embodiment or technical solution in the prior art, below will to embodiment or
Attached drawing needed to be used in the description of the prior art is briefly described, it should be apparent that, the accompanying drawings in the following description is only
The some embodiments recorded in this specification embodiment for those of ordinary skill in the art can also be attached according to these
Figure obtains other attached drawings.
Fig. 1 is the schematic diagram for the transaction flow that this specification embodiment provides；
Fig. 2 is a kind of flow diagram for payment control method that this specification embodiment provides；
Fig. 3 is the schematic diagram for the payment flow that this specification embodiment provides；
Fig. 4 is the flow diagram for another payment control method that this specification embodiment provides；
Fig. 5 is the state change schematic diagram of honouring an agreement for the buyer user that this specification embodiment provides；
Fig. 6 is a kind of structural schematic diagram for payment control device that this specification embodiment provides；
Fig. 7 is the structural schematic diagram for another payment control device that this specification embodiment provides；
Fig. 8 is the structural schematic diagram for another payment control device that this specification embodiment provides；
Fig. 9 is the structural schematic diagram for another payment control device that this specification embodiment provides；
Figure 10 is the structural schematic diagram for another payment control device that this specification embodiment provides；
Figure 11 is the structural schematic diagram for another payment control device that this specification embodiment provides；
Figure 12 is the structural schematic diagram for configuring a kind of equipment of this specification embodiment method.
Specific embodiment
It for the transaction system of e-commerce platform, withholds from some account, is just often related to another
Account beats money, that is to say, that the account balance modification operation that transaction system executes always occurred in pairs.Assuming that transaction system pair
Single account balance modifies spent stock number for x, then transaction system is complete under the scene paid between being related to account
It is 2x at the spent stock number of primary payment.
Specifically, the actual delivery operation that buyer user is directed to trade order in practice will lead to transaction system execution pair
The operation of withholing of the account of buyer user plays money operation with to transaction guaranty account, and the stock number of consuming is 2x.If buyer
User is subsequent to be wanted to Cancel Transaction, then relating to the reimbursement to buyer user, i.e., can be triggered transaction system and be executed to transaction
Withholing for secured account is operated and is operated to the money of beating of the account of buyer user, expends the stock number of 2x again.
In scene of doing shopping on line, a large number of users all gets used to first buying commodity and carries out experience on probation, dissatisfied to return goods again.
This for e-commerce platform, need to frequently execute " buyer withholds-beat money-from transaction guaranty account to transaction guaranty account
Withhold-beat money to buyer " inefficient cycle operation, overhead is huge.
And in this specification embodiment, in the case where the virtual payment amount of buyer user is sufficient, buyer user's needle
To the operation of the virtual payment of trade order not will lead to transaction system execute to the account of buyer user withhold operation with it is right
Transaction guaranty account plays money operation, and can trigger transaction system and execute and reduce behaviour to the virtual payment amount of buyer user
Make, the stock number of consuming is x.Want to Cancel Transaction if buyer user is subsequent, transaction system execution pair will not be triggered
Withholing for transaction guaranty account is operated and is operated to the money of beating of the account of buyer user, can only trigger returning for virtual payment amount
Also, i.e., transaction system executes the operation of the increase to the virtual payment amount of buyer user, and the stock number of consuming is x.
Obviously, the transaction for relating equally to buyer user is initiated to cancel with transaction, in existing payment control flow, hands over
The stock number of easy system cost reaches 4x, and in the payment control flow that this specification embodiment provides, transaction system expends
Stock number be 2x.As it can be seen that the resource that can save half for the transaction system of electric business platform is opened by this specification embodiment
Pin.
In order to make those skilled in the art more fully understand the technical solution in this specification embodiment, below in conjunction with this
Attached drawing in specification embodiment is described in detail the technical solution in this specification embodiment, it is clear that described
Embodiment is only a part of the embodiment of this specification, instead of all the embodiments.The embodiment of base in this manual,
Those of ordinary skill in the art's every other embodiment obtained, all should belong to the range of protection.
Below in conjunction with attached drawing, the technical solution that each embodiment of this specification provides is described in detail.
Fig. 1 is the schematic diagram for the transaction flow that this specification embodiment provides.As shown in Figure 1, buyer initiates transaction, electronics
Business platform creates trade order, and buyer is waited to pay.If buyer's refusal is paid, trade order is closed, such as
Fruit buyer agrees to pay, and has selected virtual payment mode, then the state of trade order, which is switched to, has paid, electronics quotient
Trade order is pushed to the seller by business platform, waits seller's delivery.Buyer before confirmation is received (can be before receiving goods,
It is also possible to receive goods but does not approve cargo), it can choose reimbursement and (require to close transaction, return the virtual payment volume reduced
Degree).If buyer indicates that confirmation is received to e-commerce platform, completion of trading.
Fig. 2 is a kind of flow diagram for payment control method that this specification embodiment provides, comprising the following steps:
S200: after the transaction initiation request for receiving buyer user's transmission, trade order is created.
The executing subject of method shown in Fig. 2 can be the transaction system of e-commerce platform, in hardware view, the transaction
System actually refers to the server or server cluster of e-commerce platform.
In this specification embodiment, buyer user refers to the user of payment purchase commodity or service in a transaction, sells
Family user refers to that gathering provides the user of commodity or service in a transaction.
In this specification embodiment, the transaction system of e-commerce platform can be in advance the virtual branch of buyer user's distribution
Pay amount.Virtual payment amount is not actual value, but plays the role of representing certain actual value.
E-commerce platform can be that buyer user distributes virtual payment amount according to preset rules.For example, can basis
The remaining sum of the account of buyer user distributes to the virtual payment amount of buyer user to determine, remaining sum is more, illustrates buyer user
Ability to pay it is stronger, therefore the virtual payment amount for distributing to buyer user is higher.
For another example, can obtain the payment credit scoring of buyer user in advance, the payment credit scoring with to the buyer
The evaluation of the payment credit of user is positively correlated；According to the payment credit scoring, virtual payment volume is distributed for the buyer user
Degree, the virtual payment amount and the payment credit scoring are positively correlated.
In general, transaction is initiated by buyer user by e-commerce platform, transaction system is receiving buyer user
After the transaction initiation request of transmission, trade order will create.
The information, the information of seller user, buyer user that buyer user would generally be recorded in trade order to be bought
Commodity or service, the price (i.e. transaction amount) of the commodity that buyer user to be bought or service.In addition, regarding actual business
Demand can also record other information in trade order, and this specification does not limit this.
S202: judge whether the virtual payment amount of the buyer user is less than the trade gold specified in the trade order
Otherwise volume N, executes step S206 if so, thening follow the steps S204.
After transaction system creates trade order, judge whether buyer user there are enough virtual payment amounts to carry out
Virtual payment.The standard of judgement is whether the virtual payment amount of buyer user is less than transaction amount.If it is lower, with regard to explanation
The virtual payment amount of buyer user is not enough to carry out virtual payment, if it is not, just illustrating the virtual payment of buyer user
Amount carries out virtual payment enough.
S204: closing the trade order, or, carrying out actual delivery operation.
If the virtual payment amount of buyer user is not enough to carry out virtual payment, transaction system can close transaction and order
It is single, or actual delivery operation is carried out using the account of buyer user.Further, transaction system can inquire that buyer user is
No progress actual delivery operation carries out actual delivery operation if buyer user agrees to, if buyer user disagrees,
Close trade order.
Actual delivery operation are as follows: if the remaining sum of the account of the buyer user is not less than N, from the account of the buyer user
N is deducted in family；Increase N into transaction guaranty account, and then the balance transfer of the transaction guaranty account to the seller is used
The account at family.
Wherein, transaction guaranty account refers to, to avoid principal-to-principal in the case where payment with delivery availability not
Transaction risk caused by consistent, provides guarantee side of the transaction guaranty account as payment and gathering, and the fund that buyer prepays can be temporary
When squeeze into transaction guaranty account, will not directly make the account of buyer, until selling direction buyer provides commodity or service, and
And after buyer approves, the fund in transaction guaranty account can just be made to the account of the seller, be finally completed transaction.Transaction guaranty
The owning side of account can be e-commerce platform, be also possible to the payment services side independently of e-commerce platform.
It should be noted that the account balance of buyer user, can refer to the amount of money that account of buyer user itself possesses,
It can refer to the amount of money of overdrawing of the amount of money in bank card bound in the account of buyer user or bound credit card.In general, handing over
It is the amount of money of the easy system in the amount of money that the account of discovery buyer user itself possesses, bound each bank card, bound
The amount of money of overdrawing of credit card is smaller than after transaction amount N, can just assert that the account balance of buyer user is insufficient.
In practice, if the actual delivery operation can also include: the buyer user account remaining sum be P, P <
N then deducts P from the account of the buyer user, and deducts N-P in account from preassigned pay for first, alternatively, referring to from advance
N is deducted in fixed paying for first in account.
Wherein, it pays for account first to refer to, leads to not reality in order to avoid there is the account of buyer user since Sorry, your ticket has not enough value
The case where payment, providing and paying for account first is that buyer provides with funds the service of paying for first, pays for first after account pays for fund first, forms one and buy
Side is to the debt for paying for account first.The owning side for paying for account first can be e-commerce platform, be also possible to independently of e-commerce
The payment services side of platform can also be that other are ready to undertake the main body that fund pays for responsibility first for buyer user, this specification pair
This is not specifically limited.
If paying for account first is registered in transaction system, the specified phase after completing actual delivery operation
In limit, transaction system can pay for the amount of money that account is paid for first first described in the account recovery to the buyer user, if described specified
The amount of money that account is paid for first is paid in recovery first described in time limit, then by recovery to the amount of money return to and described pay for account first.
If paying for account first is registered on payment services method, apparatus, after completing actual delivery operation
In fixed time limit, payment services method, apparatus can pay for the amount of money that account is paid for first first described in the account recovery to the buyer user,
If the amount of money that account is paid for first is paid in recovery first described in the fixed time limit, by recovery to the amount of money return to described pay for first
Account.
If the amount of money that account is paid for first is paid in non-recovery first described in the fixed time limit, trigger to the buyer user
Promise breaking punishment.It specifically can be the payment credit score for reducing buyer user to the promise breaking punishment of buyer user, or cancel buyer
The virtual payment permission of user, or blacklist (so that buyer user is forbidden to initiate transaction) etc. is added in buyer user.
It should be noted that in this specification embodiment, payment credit score that can be periodically current according to buyer user,
Redefine the virtual payment amount of buyer user.In this way, may be led if buyer user was receiving promise breaking punishment
Causing the payment credit score of buyer user reduces, and then leads to the virtual payment amount redistributed next time for buyer user drop
It is low.
S206: virtual payment operation is carried out.
If the virtual payment amount of buyer user carries out virtual payment enough, transaction system can execute virtual payment
Operation.The virtual payment operation includes: that the virtual payment amount of the buyer user is reduced N.
Further, in step S206, transaction system can inquire whether the buyer user carries out virtual payment；If
Buyer user agrees to progress virtual payment, then carries out virtual payment operation.
Herein it should be noted that in practice, buyer user may initiate a more than transaction, every transaction all can
The virtual payment amount of buyer user is called to carry out virtual payment.Therefore, buyer user unlimitedly carries out virtually in order to prevent
Payment needs in the virtual payment amount by buyer user in a transaction equal to the part of the transaction amount of this transaction
It temporarily reduces, in this way, being equivalent to, this part amount is frozen, and buyer user is not available this frozen part amount and carries out
Virtual payment.
S208: after completing virtual payment operation, the trade order is pushed to seller user.
In this specification embodiment, after completion virtual payment operation, so that it may be by the status modifier of trade order
Pay status, so as to which the trade order of pay status is pushed to seller user, seller user just can be according to having propped up
Service is delivered or provided to the trade order for the state of paying.
Herein it should be noted that in practice, for seller user, only the trade order of pay status has been just
It is significant.This is because station, in the position of seller user, if the buyer user of a transaction does not pay the bill, the seller is used
The commodity or service that family is paid just are ensured without value, excessive to seller user bring transaction risk.For seller user
Speech, the trade order of pay status it is meant that commodity that the seller pays or the corresponding value of service can determine whether be by transaction
System is to fulfil, even pay status herein is generated based on virtual payment, the seller does not have to concern that buyer escapes payment yet,
Because e-commerce platform supports virtual payment mode, transaction risk in fact to have been transferred to e-commerce platform and undertake.
After trade order is pushed to seller user, seller user can execute friendship based on the trade order
Easily.Seller user herein executes transaction and refers to, seller user provides commodity or clothes to buyer according to the content of trade order
Business.For example, seller user is according to the type of merchandise, commodity amount, the buyer's shipping address etc. recorded in trade order, to buyer's postal
Post commodity.
S210: if receiving the transaction that the buyer user sends cancels instruction, by the virtual branch of the buyer user
It pays amount and increases N.
In practical applications, e-commerce platform usually supports buyer user after trade order creation, buyer user
Confirm that any point-in-time in the period before the transaction implementing result of seller user Cancels Transaction.It Cancels Transaction and relates generally to
Transaction closing, the return of goods, reimbursement, reimbursement and the diversified forms such as return of goods.
After transaction is cancelled, transaction system is needed to buyer user's reimbursement.In this specification embodiment, buyer user only
In the case where having carried out virtual payment, reimbursement, which actually refers to, returns virtual payment amount.
In this specification embodiment, if if receiving the trade order that the buyer user is directed to the seller user
The confirmation instruction or determination that implementing result is sent meet the preset trade order implementing result for the seller user really
Recognize condition, then actual delivery operation is carried out, and after completing the actual delivery operation, by the virtual payment of the buyer user
Amount increases N.
Wherein, the confirmation instruction that the buyer user sends for the trade order implementing result of the seller user, example
Can such as refer to: buyer user approves commodity after the commodity for receiving seller user mailing, therefore agrees to transaction system
Money is beaten to seller user.This is the situation that buyer user actively carries out actual delivery.
Determine the confirmation condition of the preset trade order implementing result for the seller user of meeting, such as can be with
Refer to: buyer user approves commodity, but is unwilling or forgets to transaction system table after the commodity for receiving seller user mailing
Show that same intention seller user beats money, then, until seller user delivers after a period of time, transaction system meeting default buyer user is
It is received goods and commodity is approved.This is the situation that buyer user passively carries out actual delivery.
Buyer user carry out actual delivery it is possible that account Sorry, your ticket has not enough value, need to pay for first the feelings that account pays for fund first
Condition has been introduced above, repeats no more.
Fig. 3 is the schematic diagram for the payment flow that this specification embodiment provides.As shown in figure 3, after creation trade order, first
A part of virtual payment amount (can characterize transaction amount) of buyer user is freezed, the virtual payment amount that will freeze is equivalent to
Pay secured account.Then, if buyer's confirmation is received, the amount that can thaw turns actual delivery, the account of buyer user
Money (transaction amount) is beaten to transaction guaranty account, transaction guaranty account and then remaining sum is beaten into money to seller user.If buyer's account
In actual delivery, Sorry, your ticket has not enough value at family, then can be paid for first in advance by paying for account first, it is ensured that transaction guaranty account receives transaction amount
Beat money.
Furthermore it should be noted that in practice, the requirement of buyer user to Cancel Transaction can not necessarily be met, electricity
Sub- business platform and seller can refuse the request that buyer user Cancels Transaction if there is sensible argument.Herein, in order to retouch
The requirement that Cancels Transaction of the convenience stated, default buyer user can be met.It should be appreciated that Cancelling Transaction as buyer user
After request is rejected, the situation that will be described below will not relate to naturally, buyer user still needs normally to fulfil transaction obligation
(such as virtual payment, actual delivery).
Below by taking buyer's seller transaction commodity as an example, the various situations that buyer user Cancels Transaction are enumerated.
1, buyer user can choose and Cancel Transaction before carrying out virtual payment, at this point, due to buyer user not yet into
Row virtual payment, therefore, transaction system can directly close trade order, and can be related to returning the void reduced to buyer user
Quasi- payment amount.
2, from virtual payment completion, until buyer user receives commodity, during this period, buyer user is not received
Goods also can choose and Cancel Transaction.In this case, can be related to returning the virtual payment amount reduced to buyer user.
3, after buyer user receives commodity, it can choose closing transaction.It is divided into two kinds of situations again herein:
3.1, only reimbursement is not returned goods.Such as commodity have damaged or commodity are there are in the case where critical defect, Mai Fangyong
Family may not require buyer user to return goods.In this case, reimbursement is to refer to that transaction system is returned to buyer user to reduce
Virtual payment amount.Where there is a kind of special circumstances:
3.1.1, partial refund.For example, only some commodity damages or there are critical defects, it is left a part of commodity
Be it is intact, in this case, buyer user may only require partial refund.In this case, the transaction of transaction system creation
In fact the total amount N of at least two commodity is recorded in order.In step S210, what transaction system received is actually
The Transaction section that buyer user sends cancels instruction.Assuming that the Transaction section cancels the transaction of the instruction purchase cancelled
The amount of money of part commodity in order is Q, then, in step S210, transaction system is actually only capable of returning to buyer user
Quantity is the virtual payment amount of Q.
In 3.1.1, if receiving being directed in the trade order for buyer user's transmission removes the part commodity
Except other parts commodity confirmation instruction, or determine meet it is preset in the trade order except the part commodity
Except other parts commodity confirmation condition, then carry out actual delivery operation, and after completing the actual delivery operation, will
The virtual payment amount of the buyer user increases N-Q.
Wherein, if actual delivery operation includes: the remaining sum of the account of the buyer user not less than N-Q, from institute
It states and deducts N-Q in the account of buyer user；Increase N-Q into transaction guaranty account, and then will be more than the transaction guaranty account
Volume is transferred to the account of the seller user.
The actual delivery operation further include: if the remaining sum of the account of the buyer user is P, P < N-Q, then bought from described
P is deducted in the account of square user, and deducts N-Q-P in account from preassigned pay for first, alternatively, paying for account first from preassigned
N-Q is deducted in family.
3.2, reimbursement and the return of goods.In this case, buyer user needs that commodity are first returned to seller user, seller user
After receiving goods, just it is notified that transaction system carries out reimbursement (i.e. return virtual payment amount).Where there is a kind of special circumstances:
3.2.1, partial refund return goods.Such case is similar with 3.1.1, repeats no more.
In addition, in practical applications, there may be surcharge value in a transaction, transaction system is not supported with virtual payment
Mode pays surcharge value.For example, buyer user to seller user buy air-conditioning, 3000 yuan of air-conditioning price, meanwhile, to the seller use
Family is incidentally bought air-conditioning installation and is serviced, and 200 yuan of installation fee.In this way, transaction amount is 3000 yuan in trade order, surcharge value is
200 yuan.3000 yuan of transaction amount can virtual payment, 200 yuan of surcharge value are unable to virtual payment.
It, can be before the trade order be pushed to seller user, from described for this purpose, in this specification embodiment
The surcharge value M specified in the trade order is deducted in the account of buyer user, and the M is increased to and is associated with the transaction
In the transaction guaranty account of order.Correspondingly, if transaction cancel, it is also desirable to surcharge value is returned to buyer user, i.e., from
M is deducted in the transaction guaranty account, and M is increased in the account of the buyer user.
In addition, in practical applications, there may be the uses of discount coupon in a transaction.Discount coupon herein may refer to
Gold note can also refer to coupon.For example, buyer user's purchase air-conditioning, 3000 yuan of price, but buyer user is in advance from electronics quotient
A 5 folding discount coupons are got on business platform, therefore, the amount of money that payment is actually needed in buyer user is 1500 yuan.But for
For seller user, received fund is 3000 yuan.In this way, transaction amount is 1500 yuan in trade order, it is also specified
5 folding discount coupon that buyer user possesses.1500 yuan of transaction amount can virtual payment, discount coupon generate the preferential amount of money
1500 yuan are also required to first pay transaction guaranty account.
For this purpose, before the trade order is pushed to seller user, institute can be checked and write off in this specification embodiment
The discount coupon specified in trade order is stated, and the corresponding preferential amount of money L of the discount coupon is increased in transaction guaranty account；Institute
Stating discount coupon is that the buyer user gets in advance.Correspondingly, it if transaction is cancelled, needs from the transaction guaranty account
Middle deduction L, and the discount coupon is reassigned to the buyer user.
In this specification embodiment, transaction system, can be in order to record to the links that payment flow is related to
Create a series of documents associated with trade order, specifically include: single, amount that amount freezes list, amount is thawed, which is thawed, turns real
Single, seller list is closed in border paying bill, surcharge value paying bill, transaction.It introduces one by one below.
Amount freezes list.After executing virtual payment operation, creation record has from the virtual of buyer user transaction system
The amount for the number N that payment amount is reduced freezes list, and characterization freezes the virtual payment amount that the number of buyer user is N, this
The virtual payment amount that part is freezed must not be reused.
Amount is thawed single.Suitable for the situation closed of trading.If transaction is closed, the virtual payment volume for needing to reduce
Degree returns to buyer, i.e. defrosting amount, amount defrosting single pair this recorded.
Amount defrosting turns actual delivery list.The situation that trade order implementing result suitable for the seller is confirmed by buyer.This
When, the virtual payment amount reduced is returned into buyer, triggering buyer carries out actual delivery, and amount defrosting turns actual delivery single pair
This is recorded.
Surcharge value paying bill.There are the situations of surcharge value suitable for trading.Under this situation, transaction system is being incited somebody to action
Trade order is pushed to before the seller, it is necessary to be obtained amount and be freezed list and surcharge value paying bill.
Transaction is closed single.When buyer request closes transaction, this is recorded.
Seller list.The situation that trade order implementing result suitable for the seller is confirmed by buyer.At this point, buyer carries out
Actual delivery, i.e., withhold N from the account of buyer, is transferred to transaction guaranty account, then all by the remaining sum in transaction guaranty account
It is transferred to the account of the seller.
Fig. 4 is the flow diagram for another payment control method that this specification embodiment provides, and is included the following steps:
S400: transactional services method, apparatus after receiving the transaction initiation request that the buyer user sends, hand over by creation
Easy order.
S402: transactional services method, apparatus arouses payment services method, apparatus.
S404: the payment services method, apparatus judges whether the virtual payment amount of the buyer user is less than the transaction
The transaction amount N specified in order, if it is not, then carrying out virtual payment operation.
S406: the payment services method, apparatus notifies the transactional services side after completing the virtual payment operation
Equipment pushes order.
S408: the trade order is pushed to seller user by the transactional services method, apparatus.
S410: if the transactional services method, apparatus receives the transaction that the buyer user sends and cancels instruction, to institute
It states payment services method, apparatus and sends amount recovery instruction.
S412: the payment services method, apparatus is after receiving the amount and restoring instruction, by the buyer user's
Virtual payment amount increases N.
In practical applications, the control of payment flow can be executed not only by the transaction system of e-commerce platform, and
It is (to be the service equipment of e-commerce platform on hardware view, herein referred to as traded by the transaction system of e-commerce platform
Service method, apparatus) with independently of e-commerce platform payment services side equipment (herein referred to as payment services method, apparatus) assist
Carry out.
Wherein, transactional services method, apparatus is merely responsible for the control of transaction flow, and payment services method, apparatus with transaction by taking
Business method, apparatus carries out information exchange, to control payment flow.
It is appreciated that method shown in Fig. 4 is different from the hardware structure that method shown in Fig. 2 is relied on, still, the two
Technical principle is consistent, specific technology realization on, increased in method shown in Fig. 4 some transactional services method, apparatus with
Information exchange between payment services method, apparatus.The difference of method shown in Fig. 4 and method shown in Fig. 2 is emphasized below, phase
Principle is closed to repeat no more.
Wherein, the payment services method, apparatus carries out virtual payment operation, and specifically include: the payment services method, apparatus is asked
The transactional services method, apparatus is asked to inquire whether the buyer user carries out virtual payment, if buyer user agrees to virtually be propped up
It pays, then carries out virtual payment operation.
Wherein, before the transactional services method, apparatus notifies the transactional services method, apparatus push order, the method
Further include: the payment services method, apparatus from deducted in the account of the buyer user in the trade order specify additional gold
Volume M increases to the M in the transaction guaranty account for being associated with the trade order.
Wherein, in the payment services method, apparatus after receiving the amount and restoring instruction, the method also includes:
The payment services method, apparatus deducts M from the transaction guaranty account, and M is returned to the account of the buyer user.
Wherein, before the transactional services method, apparatus notifies the transactional services method, apparatus push order, the method
Further include: the payment services method, apparatus checks and writes off the discount coupon specified in the trade order, and the discount coupon is corresponding
Preferential amount of money L increases in transaction guaranty account；The discount coupon is that the buyer user gets in advance.
Wherein, the payment services method, apparatus is after receiving the amount and restoring instruction, the method also includes: institute
It states payment services method, apparatus and deducts L from the transaction guaranty account, and the discount coupon is reassigned to the buyer and is used
Family.
Wherein, the method also includes:
If the transactional services method, apparatus receives the buyer user and executes for the trade order of the seller user
As a result the confirmation instruction sent or the determining confirmation item for meeting the preset trade order implementing result for the seller user
Part then sends actual delivery instruction to the payment services method, apparatus；The payment services method, apparatus is receiving the reality
After payment instruction, actual delivery operation is carried out, and after completing the actual delivery operation, by the virtual of the buyer user
It pays amount and increases N；
The actual delivery operates
If the remaining sum of the account of the buyer user is not less than N, N is deducted from the account of the buyer user；
Increase N into transaction guaranty account, and then by the balance transfer of the transaction guaranty account to the seller user
Account.
The actual delivery operation further include: if the remaining sum of the account of the buyer user is P, P < N, then from the buyer
P is deducted in the account of user, and deducts N-P in account from preassigned pay for first, alternatively, paying for first in account from preassigned
Deduct N.
The method also includes: the payment services method, apparatus is completed in the fixed time limit after actual delivery operation,
Pay for the amount of money that account is paid for first described in account recovery to the buyer user first；If the payment services method, apparatus is described specified
The amount of money that account is paid for first is paid in recovery first described in time limit, then by recovery to the amount of money return to and described pay for account first.
The method also includes: if account is paid in the payment services method, apparatus non-recovery in the fixed time limit first described in
The amount of money that family is paid for first then triggers the promise breaking to the buyer user and punishes.
In addition, in this specification embodiment, framework based on shown in Fig. 4, payment services method, apparatus specifically can basis
The payment credit scoring of buyer user is that buyer user distributes virtual payment amount.Payment services method, apparatus can monitor transaction clothes
The message related with each link of transaction flow that business method, apparatus is sent such as is related to buyer and initiates transaction, transaction system creation
The message for the links such as trade order, buyer close transaction, buyer's confirmation is received.Payment services method, apparatus can take according to from transaction
The message of each link for the transaction flow that business method, apparatus is monitored records the change for state of honouring an agreement in the payment flow of buyer user
Change, assesses credit performance of the buyer user in this transaction accordingly, adjust the payment credit scoring of buyer user, or to buyer
User carries out some rewards and punishments related with credit.
Fig. 5 is the state change schematic diagram of honouring an agreement for the buyer user that this specification embodiment provides.Reimbursement in Fig. 5 refers to
Return the virtual payment amount of buyer user.Specifically:
1, after buyer user carries out virtual payment for trade order, trade order is pushed to by transactional services method, apparatus is sold
Square user waits seller user delivery, before seller user delivery, the fact that buyer user on do not have started and honour an agreement (because selling
Square user may refuse to deliver, i.e. refusal and buyer's customer transaction, and both sides is caused not reach agreement).Buyer user before honouring an agreement,
The reimbursement of transactional services side (i.e. return virtual payment amount) can be required, causes to close and honour an agreement.
2, after seller user delivery, buyer user starts to honour an agreement, and since the time point that the seller delivers, ends buyer user
The time point of cargo is received, buyer user can still claim for refund, and such case is honoured an agreement processing according to closing.In addition, from selling
The time point just delivered, cut-off buyer user receive the time point of cargo, and buyer user can also be in the feelings for not receiving goods
Actively confirmation is received under condition, is carried out actual delivery, is caused to honour an agreement on time.
3, buyer user after receiving cargo, honour an agreement before limit absolutely by cut-off, is the state in honouring an agreement, buyer user needs
Decision is that confirmation is received or reimbursement.Before exhausted be limited to of honouring an agreement, no matter buyer user selects reimbursement or confirmation to receive, all regard
To honour an agreement on time.
4, in honouring an agreement, buyer user can choose the reimbursement return of goods or only reimbursement.
5, in honouring an agreement, if only partial cargo is there are reimbursement, buyer user still needs to determine for remainder
Distribution of goods object (confirmation is received or reimbursement).
If 6, honoured an agreement when being limited to come absolutely, buyer user is still remained in trade order and does not determine that whereabouts (is that confirmation is received
Goods or reimbursement) cargo, then, can force using buyer user account carry out actual delivery, if the account of buyer user
Family remaining sum is sufficient, and backsight of withholing is overdue honours an agreement.If the account balance of buyer user is insufficient, it also will use and pay for account progress first
Pay for first, hereafter can to the account of buyer user carry out fund recovery, if recovery success, be considered as it is overdue honour an agreement, if recovery lose
It loses, is considered as promise breaking.
In addition, this specification embodiment provides a kind of payment control system, including transactional services method, apparatus and payment take
Business method, apparatus；
Payment flow involved in the transaction event that transactional services side monitors is executed by payment services side, the payment clothes
Business side distributes virtual payment amount in advance for buyer user；
The transactional services method, apparatus, after receiving the transaction initiation request that the buyer user sends, creation is handed over
Easy order, and arouse payment services method, apparatus；It, will in the payment services method, apparatus after completing the virtual payment operation
The trade order is pushed to seller user, so that the seller user executes the trade order；If receiving the buyer
Instruction is cancelled in the transaction that user sends, then sends amount to the payment services method, apparatus and restore instruction；
The payment services method, apparatus, judges whether the virtual payment amount of the buyer user is less than the trade order
In specify transaction amount N, if it is not, then carrying out virtual payment operation；The virtual payment operation includes: by the buyer user
Virtual payment amount reduce N；After completing the virtual payment operation, the transactional services method, apparatus push is notified to order
It is single；After receiving the amount and restoring instruction, the virtual payment amount of the buyer user is increased into N.
A kind of payment control system, including transactional services method, apparatus and payment services method, apparatus；
Payment flow involved in the transaction event that transactional services side monitors is executed by payment services side, the payment clothes
Business side distributes virtual payment amount in advance for buyer user；
The transactional services method, apparatus, after receiving the transaction initiation request that the buyer user sends, creation is handed over
Easy order, and arouse payment services method, apparatus；It, will in the payment services method, apparatus after completing the virtual payment operation
The trade order is pushed to seller user, so that the seller user executes the trade order；If receiving the buyer
The Transaction section that user sends cancels instruction, then sends amount to the payment services method, apparatus and restore instruction；
The payment services method, apparatus judges whether the virtual payment amount of the buyer user is less than the trade order
In specify transaction amount N, if it is not, then carrying out virtual payment operation；The virtual payment operation includes: by the buyer user
Virtual payment amount reduce N；After completing the virtual payment operation, the transactional services method, apparatus push is notified to order
It is single；After receiving the amount and restoring instruction, the virtual payment amount of the buyer user is increased into Q；
Wherein, the Transaction section cancels instruction for cancelling the part commodity bought in the trade order, and Q is described
The amount of money of part commodity.
Fig. 6 is a kind of structural schematic diagram for payment control device that this specification embodiment provides, and is in advance buyer user
Virtual payment amount is distributed, described device includes:
Order creation module 601, after receiving the transaction initiation request that the buyer user sends, creation transaction is ordered
It is single；
Judging treatmenting module 602, judges whether the virtual payment amount of the buyer user is less than in the trade order
Specified transaction amount N, if it is not, then carrying out virtual payment operation；The virtual payment operation includes: by the buyer user
Virtual payment amount reduces N；
The trade order is pushed to seller user after completing virtual payment operation by order pushing module 603,
So that the seller user executes the trade order；
Amount recovery module 604 uses the buyer if receiving the transaction that the buyer user sends cancels instruction
The virtual payment amount at family increases N.
Fig. 7 is the structural schematic diagram for another payment control device that this specification embodiment provides, transactional services side's prison
Payment flow involved in the transaction event measured is executed by payment services side, and the payment services side is buyer user point in advance
With virtual payment amount, described device includes:
Module 701 is aroused in payment, and after receiving the transaction initiation request that the buyer user sends, creation transaction is ordered
It is single, and arouse payment services method, apparatus, so that the payment services method, apparatus judges the virtual payment amount of the buyer user
Whether it is less than the transaction amount N specified in the trade order, if it is not, then carrying out virtual payment operation, and then makes the payment
Method, apparatus is serviced after completing the virtual payment operation, notifies the transactional services method, apparatus push order；It is described virtual
Delivery operation includes: that the virtual payment amount of the buyer user is reduced N；
The trade order is pushed to seller user by order pushing module 702, so as to described in seller user execution
Trade order；
Amount recovery module 703 takes if receiving the transaction that the buyer user sends cancels instruction to the payment
Method, apparatus of being engaged in sends amount and restores instruction, so that the payment services method, apparatus is after receiving the amount and restoring instruction,
The virtual payment amount of the buyer user is increased into N.
Fig. 8 is the structural schematic diagram for another payment control device that this specification embodiment provides, transactional services side's prison
Payment flow involved in the transaction event measured is executed by payment services side, and the payment services side is buyer user point in advance
With virtual payment amount, described device includes:
Judging treatmenting module 801, after being aroused by transactional services method, apparatus, judge buyer user virtual payment amount whether
Less than the transaction amount N specified in trade order, if it is not, then carrying out virtual payment operation；Virtual payment operation include: by
The virtual payment amount of the buyer user reduces N；Wherein, the transactional services method, apparatus is receiving buyer user's hair
After the transaction initiation request sent, the trade order is created, and arouses payment services method, apparatus；
Notification module 802 notifies the transactional services method, apparatus push to order after completing the virtual payment operation
It is single, so that the trade order is pushed to seller user by the transactional services method, apparatus, so that the seller user executes institute
State trade order；
Amount recovery module 803, after receiving amount and restoring instruction, by the virtual payment amount of the buyer user
Increase N；Wherein, it is that the transactional services method, apparatus receives the transaction that the buyer user sends and takes that the amount, which restores instruction,
Disappear after instruction, what Xiang Suoshu payment services method, apparatus was sent.
Fig. 9 is the structural schematic diagram for another payment control device that this specification embodiment provides, and is used in advance for buyer
Virtual payment amount is distributed at family, and described device includes:
Order creation module 901, after receiving the transaction initiation request that the buyer user sends, creation transaction is ordered
It is single；
Judging treatmenting module 902, judges whether the virtual payment amount of the buyer user is less than in the trade order
Each commodity total amount N, if it is not, then carrying out virtual payment operation；The virtual payment operation includes: by the buyer user
Virtual payment amount reduce N；
The trade order is pushed to seller user after completing virtual payment operation by order pushing module 903,
It delivers so that the seller user is based on the trade order；
Amount recovery module 904 is bought if receiving the Transaction section that the buyer user sends cancels instruction by described
The virtual payment amount of square user increases Q；
Wherein, the Transaction section cancels instruction for cancelling the part commodity bought in the trade order, and Q is described
The amount of money of part commodity.
Figure 10 is the structural schematic diagram for another payment control device that this specification embodiment provides, transactional services side's prison
Payment flow involved in the transaction event measured is executed by payment services side, and the payment services side is buyer user point in advance
With virtual payment amount, described device includes:
Order creation module 1001, after receiving the transaction initiation request that the buyer user sends, creation transaction
Order, and arouse payment services method, apparatus, so that the payment services method, apparatus judges the virtual payment volume of the buyer user
Whether degree is less than the transaction amount N specified in the trade order, if it is not, then carrying out virtual payment operation, and then makes the branch
Service method, apparatus is paid after completing the virtual payment operation, notifies the transactional services method, apparatus push order；The void
Quasi- delivery operation includes: that the virtual payment amount of the buyer user is reduced N；
The trade order is pushed to seller user by order pushing module 1002, so that the seller user executes institute
State trade order；
Amount recovery module 1003, if receiving the Transaction section that the buyer user sends cancels instruction, Xiang Suoshu
Payment services method, apparatus sends amount and restores instruction, so that the payment services method, apparatus is receiving the amount recovery instruction
Later, the virtual payment amount of the buyer user is increased into Q；
Wherein, the Transaction section cancels instruction for cancelling the part commodity bought in the trade order, and Q is described
The amount of money of part commodity.
Figure 11 is the structural schematic diagram for another payment control device that this specification embodiment provides, transactional services side's prison
Payment flow involved in the transaction event measured is executed by payment services side, and the payment services side is buyer user point in advance
With virtual payment amount, described device includes:
Judging treatmenting module 1101 after being aroused by transactional services method, apparatus, judges that the virtual payment amount of buyer user is
It is no to be less than the transaction amount N specified in trade order, if it is not, then carrying out virtual payment operation；The virtual payment operates
The virtual payment amount of the buyer user is reduced into N；Wherein, the transactional services method, apparatus is receiving the buyer user
After the transaction initiation request of transmission, the trade order is created, and arouses payment services method, apparatus；
Notification module 1102 notifies the transactional services method, apparatus push to order after completing the virtual payment operation
It is single, so that the trade order is pushed to seller user by the transactional services method, apparatus, so that the seller user executes institute
State trade order；
Amount recovery module 1103, after receiving the amount and restoring instruction, by the virtual branch of the buyer user
It pays amount and increases Q；Wherein, it is that the transactional services method, apparatus receives the buyer user and sends that the amount, which restores instruction,
After instruction is cancelled in transaction, what Xiang Suoshu payment services method, apparatus was sent；The Transaction section cancels instruction for cancelling purchase institute
The part commodity in trade order are stated, Q is the amount of money of the part commodity.
This specification embodiment also provides a kind of computer equipment, includes at least memory, processor and is stored in
On reservoir and the computer program that can run on a processor, wherein processor realizes that this specification is each when executing described program
The method that embodiment provides.
Figure 12 shows one kind provided by this specification embodiment and more specifically calculates device hardware structural schematic diagram,
The equipment may include: processor 1210, memory 1220, input/output interface 1230, communication interface 1240 and bus
1250.Wherein processor 1210, memory 1220, input/output interface 1230 and communication interface 1240 are real by bus 1250
The now communication connection inside equipment each other.
Processor 1210 can use general CPU (Central Processing Unit, central processing unit), micro- place
Reason device, application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or one
Or the modes such as multiple integrated circuits are realized, for executing relative program, to realize technical side provided by this specification embodiment
Case.
Memory 1220 can use ROM (Read Only Memory, read-only memory), RAM (Random Access
Memory, random access memory), static storage device, the forms such as dynamic memory realize.Memory 1220 can store
Operating system and other applications are realizing technical solution provided by this specification embodiment by software or firmware
When, relevant program code is stored in memory 1220, and execution is called by processor 1210.
Input/output interface 1230 is for connecting input/output module, to realize information input and output.Input and output/
Module can be used as component Configuration (not shown) in a device, can also be external in equipment to provide corresponding function.Wherein
Input equipment may include keyboard, mouse, touch screen, microphone, various kinds of sensors etc., output equipment may include display,
Loudspeaker, vibrator, indicator light etc..
Communication interface 1240 is used for connection communication module (not shown), to realize the communication of this equipment and other equipment
Interaction.Wherein communication module can be realized by wired mode (such as USB, cable etc.) and be communicated, can also be wirelessly
(such as mobile network, WIFI, bluetooth etc.) realizes communication.
Bus 1250 include an access, equipment various components (such as processor 1210, memory 1220, input/it is defeated
Outgoing interface 1230 and communication interface 1240) between transmit information.
It should be noted that although above equipment illustrates only processor 1210, memory 1220, input/output interface
1230, communication interface 1240 and bus 1250, but in the specific implementation process, which can also include realizing normal fortune
Other assemblies necessary to row.In addition, it will be appreciated by those skilled in the art that, it can also be only comprising real in above equipment
Component necessary to existing this specification example scheme, without including all components shown in figure.
This specification embodiment also provides a kind of computer readable storage medium, is stored thereon with computer program, the journey
The method that each embodiment of this specification provides is realized when sequence is executed by processor.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
As seen through the above description of the embodiments, those skilled in the art can be understood that this specification
Embodiment can be realized by means of software and necessary general hardware platform.Based on this understanding, this specification is implemented
Substantially the part that contributes to existing technology can be embodied in the form of software products the technical solution of example in other words,
The computer software product can store in storage medium, such as ROM/RAM, magnetic disk, CD, including some instructions are to make
It obtains a computer equipment (can be personal computer, service equipment or the network equipment etc.) and executes this specification embodiment
Method described in certain parts of each embodiment or embodiment.
System, method, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.A kind of typically to realize that equipment is computer, the concrete form of computer can
To be personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
In device, navigation equipment, E-mail receiver/send equipment, game console, tablet computer, wearable device or these equipment
The combination of any several equipment.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for method reality
For applying example, since it is substantially similar to the method embodiment, so describing fairly simple, related place is referring to embodiment of the method
Part explanation.Embodiment of the method described above is only schematical, wherein described be used as separate part description
Module may or may not be physically separated, can be each module when implementing this specification example scheme
Function realize in the same or multiple software and or hardware.Can also select according to the actual needs part therein or
Person's whole module achieves the purpose of the solution of this embodiment.Those of ordinary skill in the art are not the case where making the creative labor
Under, it can it understands and implements.
The above is only the specific embodiment of this specification embodiment, it is noted that for the general of the art
For logical technical staff, under the premise of not departing from this specification embodiment principle, several improvements and modifications can also be made, this
A little improvements and modifications also should be regarded as the protection scope of this specification embodiment.
Claims (38)
1. a kind of payment control method distributes virtual payment amount in advance for buyer user, which comprises
After receiving the transaction initiation request that the buyer user sends, trade order is created；
Judge whether the virtual payment amount of the buyer user is less than the transaction amount N specified in the trade order, if it is not,
Then carry out virtual payment operation；The virtual payment operation includes: that the virtual payment amount of the buyer user is reduced N；
After completing virtual payment operation, the trade order is pushed to seller user, so as to seller user execution
The trade order；
If receiving the transaction that the buyer user sends cancels instruction, the virtual payment amount of the buyer user is increased
N。
2. the method as described in claim 1 is distributed virtual payment amount in advance for buyer user, is specifically included:
The payment credit scoring of buyer user is obtained in advance；The payment credit scoring and the payment credit to the buyer user
Evaluation be positively correlated；
According to the payment credit scoring, virtual payment amount is distributed for the buyer user；The virtual payment amount and institute
Payment credit scoring is stated to be positively correlated.
3. the method as described in claim 1 carries out virtual payment operation, specifically includes:
Inquire whether the buyer user carries out virtual payment；
If buyer user agrees to carry out virtual payment, virtual payment operation is carried out.
4. the method as described in claim 1, before the trade order is pushed to seller user, the method also includes:
From the surcharge value M specified in the trade order is deducted in the account of the buyer user, the M is increased into association
In the transaction guaranty account of the trade order.
5. method as claimed in claim 4, if receiving the transaction that the buyer user sends cancels instruction, the method
Further include:
M is deducted from the transaction guaranty account, and M is increased in the account of the buyer user.
6. the method as described in claim 1, before the trade order is pushed to seller user, the method also includes:
The discount coupon specified in the trade order is checked and write off, and the corresponding preferential amount of money L of the discount coupon is increased into transaction load
It protects in account；The discount coupon is that the buyer user gets in advance.
7. method as claimed in claim 6, if receiving the transaction that the buyer user sends cancels instruction, the method
Further include:
L is deducted from the transaction guaranty account, and the discount coupon is reassigned to the buyer user.
8. the method as described in claim 1, the method also includes:
If receiving the confirmation instruction or true of trade order implementing result transmission of the buyer user for the seller user
Surely the confirmation condition for meeting the preset trade order implementing result for the seller user, then carry out actual delivery operation,
And after completing the actual delivery operation, the virtual payment amount of the buyer user is increased into N；
Wherein, the actual delivery, which operates, includes:
If the remaining sum of the account of the buyer user is not less than N, N is deducted from the account of the buyer user；
Increase N into transaction guaranty account, and then by the account of the balance transfer of the transaction guaranty account to the seller user
Family.
9. method according to claim 8, the actual delivery operation further include:
If the remaining sum of the account of the buyer user is P, P < N, then P is deducted from the account of the buyer user, and from preparatory
N-P is deducted in specified paying for first in account, alternatively, deducting N in account from preassigned pay for first.
10. method as claimed in claim 9, the method also includes:
It completes to pay for account pad first described in the account recovery of Xiang Suoshu buyer user in the fixed time limit after actual delivery operation
The amount of money paid；
If the amount of money that account is paid for first is paid in recovery first described in the fixed time limit, by recovery to the amount of money return to it is described
Pay for account first.
11. method as claimed in claim 10, the method also includes:
If the amount of money that account is paid for first is paid in non-recovery first described in the fixed time limit, the buyer user is disobeyed in triggering
About punish.
12. a kind of payment control method, payment flow involved in the transaction event that transactional services side monitors is by payment services
Fang Zhihang, the payment services side are that buyer user distributes virtual payment amount in advance, which comprises
Transactional services method, apparatus creates trade order after receiving the transaction initiation request that the buyer user sends, and
Arouse payment services method, apparatus；
The payment services method, apparatus judges whether the virtual payment amount of the buyer user is less than the trade order middle finger
Fixed transaction amount N, if it is not, then carrying out virtual payment operation；The virtual payment operation includes: by the void of the buyer user
Quasi- payment amount reduces N；
The payment services method, apparatus notifies the transactional services method, apparatus push to order after completing the virtual payment operation
It is single；
The trade order is pushed to seller user by the transactional services method, apparatus, so that the seller user executes the friendship
Easy order；
If the transactional services method, apparatus, which receives the transaction that the buyer user sends, cancels instruction, to the payment services
Method, apparatus sends amount and restores instruction；
The payment services method, apparatus is after receiving the amount and restoring instruction, by the virtual payment volume of the buyer user
Degree increases N.
13. method as claimed in claim 12, the payment services method, apparatus carries out virtual payment operation, specifically includes:
The payment services method, apparatus requests the transactional services method, apparatus to inquire whether the buyer user carries out virtual payment,
If buyer user agrees to carry out virtual payment, virtual payment operation is carried out.
14. method as claimed in claim 12 notifies the transactional services method, apparatus to push in the transactional services method, apparatus
Before order, the method also includes:
The payment services method, apparatus from deducted in the account of the buyer user in the trade order specify surcharge value
M increases to the M in the transaction guaranty account for being associated with the trade order.
15. method as claimed in claim 14 is receiving the amount recovery instruction in the payment services method, apparatus
Afterwards, the method also includes:
The payment services method, apparatus deducts M from the transaction guaranty account, and M is returned to the account of the buyer user
Family.
16. method as claimed in claim 12 notifies the transactional services method, apparatus to push in the transactional services method, apparatus
Before order, the method also includes:
The payment services method, apparatus checks and writes off the discount coupon specified in the trade order, and the discount coupon is corresponding preferential
Amount of money L increases in transaction guaranty account；The discount coupon is that the buyer user gets in advance.
17. the method described in claim 16, the payment services method, apparatus after receiving the amount and restoring instruction,
The method also includes:
The payment services method, apparatus deducts L from the transaction guaranty account, and the discount coupon is reassigned to described
Buyer user.
18. method as claimed in claim 12, the method also includes:
If the transactional services method, apparatus receives the trade order implementing result that the buyer user is directed to the seller user
The confirmation instruction of transmission determines the confirmation condition for meeting the preset trade order implementing result for the seller user, then
Actual delivery instruction is sent to the payment services method, apparatus；
The payment services method, apparatus carries out actual delivery operation, and complete after receiving the actual delivery instruction
After the actual delivery operation, the virtual payment amount of the buyer user is increased into N；
Wherein, the actual delivery, which operates, includes:
If the remaining sum of the account of the buyer user is not less than N, N is deducted from the account of the buyer user；
Increase N into transaction guaranty account, and then by the account of the balance transfer of the transaction guaranty account to the seller user
Family.
19. method as claimed in claim 18, the actual delivery operation further include:
If the remaining sum of the account of the buyer user is P, P < N, then P is deducted from the account of the buyer user, and from preparatory
N-P is deducted in specified paying for first in account, alternatively, deducting N in account from preassigned pay for first.
20. method as claimed in claim 19, the method also includes:
The payment services method, apparatus is completed in the fixed time limit after actual delivery operation, the account of Xiang Suoshu buyer user
Pay for the amount of money that account is paid for first described in recovery first；
If the amount of money that account is paid for first is paid in payment services method, apparatus recovery in the fixed time limit first described in, by recovery
To the amount of money return to and described pay for account first.
21. method as claimed in claim 20, the method also includes:
If the amount of money that account is paid for first is paid in the payment services method, apparatus non-recovery in the fixed time limit first described in, trigger
Promise breaking punishment to the buyer user.
22. a kind of payment control method distributes virtual payment amount in advance for buyer user, which comprises
After receiving the transaction initiation request that the buyer user sends, trade order is created；
Judge the total amount N for each commodity whether the virtual payment amount of the buyer user is less than in the trade order, if
It is no, then carry out virtual payment operation；The virtual payment operation includes: that the virtual payment amount of the buyer user is reduced N；
After completing virtual payment operation, the trade order is pushed to seller user, so that the seller user is based on
The trade order is delivered；
If receiving the Transaction section that the buyer user sends cancels instruction, by the virtual payment amount of the buyer user
Increase Q；
Wherein, it is the part that the Transaction section, which cancels instruction for cancelling the part commodity bought in the trade order, Q,
The amount of money of commodity.
23. method as claimed in claim 22, the method also includes:
If receiving the other parts being directed in the trade order in addition to the part commodity that the buyer user sends
The confirmation of commodity instructs, or determines and meet the preset other parts in the trade order in addition to the part commodity
The confirmation condition of commodity then carries out actual delivery operation, and after completing the actual delivery operation, by the buyer user's
Virtual payment amount increases N-Q；
Wherein, the actual delivery, which operates, includes:
If the remaining sum of the account of the buyer user is not less than N-Q, N-Q is deducted from the account of the buyer user；
Increase N-Q into transaction guaranty account, and then by the balance transfer of the transaction guaranty account to the seller user
Account.
24. method as claimed in claim 23, the actual delivery operation further include:
If the remaining sum of the account of the buyer user is P, P < N-Q, then P is deducted from the account of the buyer user, and from pre-
N-Q-P is deducted in first specified paying for first in account, alternatively, deducting N-Q in account from preassigned pay for first.
25. a kind of payment control method, payment flow involved in the transaction event that transactional services side monitors is by payment services
Fang Zhihang, the payment services side are that buyer user distributes virtual payment amount in advance, which comprises
Transactional services method, apparatus creates trade order after receiving the transaction initiation request that the buyer user sends, and
Arouse payment services method, apparatus；
The payment services method, apparatus judges whether the virtual payment amount of the buyer user is less than the trade order middle finger
Fixed transaction amount N, if it is not, then carrying out virtual payment operation；The virtual payment operation includes: by the void of the buyer user
Quasi- payment amount reduces N；
The payment services method, apparatus notifies the transactional services method, apparatus push to order after completing the virtual payment operation
It is single；
The trade order is pushed to seller user by the transactional services method, apparatus, so that the seller user executes the friendship
Easy order；
If the transactional services method, apparatus, which receives the Transaction section that the buyer user sends, cancels instruction, to the payment
It services method, apparatus and sends amount recovery instruction；
The payment services method, apparatus is after receiving the amount and restoring instruction, by the virtual payment volume of the buyer user
Degree increases Q；
Wherein, it is the part that the Transaction section, which cancels instruction for cancelling the part commodity bought in the trade order, Q,
The amount of money of commodity.
26. a kind of payment control device, distributes virtual payment amount in advance for buyer user, described device includes:
Order creation module creates trade order after receiving the transaction initiation request that the buyer user sends；
Judging treatmenting module, judges whether the virtual payment amount of the buyer user is less than the friendship specified in the trade order
Easy amount of money N, if it is not, then carrying out virtual payment operation；The virtual payment operation includes: by the virtual payment of the buyer user
Amount reduces N；
The trade order is pushed to seller user, so as to described after completing virtual payment operation by order pushing module
Seller user executes the trade order；
Amount recovery module, if receiving the transaction that the buyer user sends cancels instruction, by the void of the buyer user
Quasi- payment amount increases N.
27. a kind of payment control system, including transactional services method, apparatus and payment services method, apparatus；
Payment flow involved in the transaction event that transactional services side monitors is executed by payment services side, the payment services side
Virtual payment amount is distributed in advance for buyer user；
The transactional services method, apparatus, after receiving the transaction initiation request that the buyer user sends, creation transaction is ordered
It is single, and arouse payment services method, apparatus；It, will be described in the payment services method, apparatus after completing the virtual payment operation
Trade order is pushed to seller user, so that the seller user executes the trade order；If receiving the buyer user
Instruction is cancelled in the transaction of transmission, then sends amount to the payment services method, apparatus and restore instruction；
The payment services method, apparatus, judges whether the virtual payment amount of the buyer user is less than the trade order middle finger
Fixed transaction amount N, if it is not, then carrying out virtual payment operation；The virtual payment operation includes: by the void of the buyer user
Quasi- payment amount reduces N；After completing the virtual payment operation, the transactional services method, apparatus push order is notified；In
It receives the amount to restore after instructing, the virtual payment amount of the buyer user is increased into N.
28. a kind of payment control method, payment flow involved in the transaction event that transactional services side monitors is by payment services
Fang Zhihang, the payment services side are that buyer user distributes virtual payment amount in advance, which comprises
Transactional services method, apparatus creates trade order after receiving the transaction initiation request that the buyer user sends, and
Arouse payment services method, apparatus, so that the payment services method, apparatus judges whether the virtual payment amount of the buyer user is small
The transaction amount N specified in the trade order, if it is not, then carrying out virtual payment operation, and then makes the payment services side
Equipment notifies the transactional services method, apparatus push order after completing the virtual payment operation；The virtual payment behaviour
Work includes: that the virtual payment amount of the buyer user is reduced N；
The trade order is pushed to seller user, so that the seller user executes the trade order；
If receiving the transaction that the buyer user sends cancels instruction, amount is sent to the payment services method, apparatus and is restored
Instruction, so that the payment services method, apparatus is after receiving the amount and restoring instruction, by the virtual of the buyer user
It pays amount and increases N.
29. a kind of payment control method, payment flow involved in the transaction event that transactional services side monitors is by payment services
Fang Zhihang, the payment services side are that buyer user distributes virtual payment amount in advance, which comprises
After payment services method, apparatus is aroused by transactional services method, apparatus, judge whether the virtual payment amount of buyer user is less than friendship
The transaction amount N specified in easy order, if it is not, then carrying out virtual payment operation；The virtual payment operation includes: to buy described
The virtual payment amount of square user reduces N；Wherein, the transactional services method, apparatus is in the friendship for receiving buyer user's transmission
After easily initiating request, the trade order is created, and arouse payment services method, apparatus；
After completing the virtual payment operation, the transactional services method, apparatus push order is notified, so that the transaction takes
The trade order is pushed to seller user by business method, apparatus, so that the seller user executes the trade order；
After receiving amount and restoring instruction, the virtual payment amount of the buyer user is increased into N；Wherein, the amount
Restoring instruction is after the transactional services method, apparatus receives the transaction cancellation instruction that the buyer user sends, to the payment
Service what method, apparatus was sent.
30. a kind of payment control device, payment flow involved in the transaction event that transactional services side monitors is by payment services
Fang Zhihang, the payment services side are that buyer user distributes virtual payment amount in advance, and described device includes:
Module is aroused in payment, after receiving the transaction initiation request that the buyer user sends, creates trade order, and call out
Payment services method, apparatus is played, so that the payment services method, apparatus judges whether the virtual payment amount of the buyer user is less than
The transaction amount N specified in the trade order, if it is not, then carrying out virtual payment operation, and then sets the payment services side
For after completing the virtual payment operation, the transactional services method, apparatus push order is notified；The virtual payment operation
It include: that the virtual payment amount of the buyer user is reduced into N；
The trade order is pushed to seller user by order pushing module, is ordered so that the seller user executes the transaction
It is single；
Amount recovery module is set if receiving the transaction that the buyer user sends cancels instruction to the payment services side
Preparation send amount to restore instruction, so that the payment services method, apparatus is after receiving the amount and restoring instruction, it will be described
The virtual payment amount of buyer user increases N.
31. a kind of payment control device, payment flow involved in the transaction event that transactional services side monitors is by payment services
Fang Zhihang, the payment services side are that buyer user distributes virtual payment amount in advance, and described device includes:
Judging treatmenting module after being aroused by transactional services method, apparatus, judges whether the virtual payment amount of buyer user is less than friendship
The transaction amount N specified in easy order, if it is not, then carrying out virtual payment operation；The virtual payment operation includes: to buy described
The virtual payment amount of square user reduces N；Wherein, the transactional services method, apparatus is in the friendship for receiving buyer user's transmission
After easily initiating request, the trade order is created, and arouse payment services method, apparatus；
Notification module notifies the transactional services method, apparatus push order, so that institute after completing the virtual payment operation
It states transactional services method, apparatus and the trade order is pushed to seller user, ordered so that the seller user executes the transaction
It is single；
The virtual payment amount of the buyer user is increased N after receiving amount and restoring instruction by amount recovery module；
Wherein, it is the transaction cancellation instruction that the transactional services method, apparatus receives that the buyer user sends that the amount, which restores instruction,
Afterwards, Xiang Suoshu payment services method, apparatus is sent.
32. a kind of payment control device, distributes virtual payment amount in advance for buyer user, described device includes:
Order creation module creates trade order after receiving the transaction initiation request that the buyer user sends；
Judging treatmenting module, judges whether the virtual payment amount of the buyer user is less than each commodity in the trade order
Total amount N, if it is not, then carrying out virtual payment operation；The virtual payment operation includes: by the virtual branch of the buyer user
It pays amount and reduces N；
The trade order is pushed to seller user, so as to described after completing virtual payment operation by order pushing module
Seller user is based on the trade order and delivers；
Amount recovery module, if receiving the Transaction section that the buyer user sends cancels instruction, by the buyer user
Virtual payment amount increase Q；
Wherein, it is the part that the Transaction section, which cancels instruction for cancelling the part commodity bought in the trade order, Q,
The amount of money of commodity.
33. a kind of payment control system, including transactional services method, apparatus and payment services method, apparatus；
Payment flow involved in the transaction event that transactional services side monitors is executed by payment services side, the payment services side
Virtual payment amount is distributed in advance for buyer user；
The transactional services method, apparatus, after receiving the transaction initiation request that the buyer user sends, creation transaction is ordered
It is single, and arouse payment services method, apparatus；It, will be described in the payment services method, apparatus after completing the virtual payment operation
Trade order is pushed to seller user, so that the seller user executes the trade order；If receiving the buyer user
The Transaction section of transmission cancels instruction, then sends amount to the payment services method, apparatus and restore instruction；
The payment services method, apparatus judges whether the virtual payment amount of the buyer user is less than the trade order middle finger
Fixed transaction amount N, if it is not, then carrying out virtual payment operation；The virtual payment operation includes: by the void of the buyer user
Quasi- payment amount reduces N；After completing the virtual payment operation, the transactional services method, apparatus push order is notified；In
It receives the amount to restore after instructing, the virtual payment amount of the buyer user is increased into Q；
Wherein, it is the part that the Transaction section, which cancels instruction for cancelling the part commodity bought in the trade order, Q,
The amount of money of commodity.
34. a kind of payment control method, payment flow involved in the transaction event that transactional services side monitors is by payment services
Fang Zhihang, the payment services side are that buyer user distributes virtual payment amount in advance, which comprises
Transactional services method, apparatus creates trade order after receiving the transaction initiation request that the buyer user sends, and
Arouse payment services method, apparatus, so that the payment services method, apparatus judges whether the virtual payment amount of the buyer user is small
The transaction amount N specified in the trade order, if it is not, then carrying out virtual payment operation, and then makes the payment services side
Equipment notifies the transactional services method, apparatus push order after completing the virtual payment operation；The virtual payment behaviour
Work includes: that the virtual payment amount of the buyer user is reduced N；
The trade order is pushed to seller user, so that the seller user executes the trade order；
If receiving the Transaction section that the buyer user sends cancels instruction, amount is sent to the payment services method, apparatus
Restore instruction, so that the payment services method, apparatus is after receiving the amount and restoring instruction, by the buyer user's
Virtual payment amount increases Q；
Wherein, it is the part that the Transaction section, which cancels instruction for cancelling the part commodity bought in the trade order, Q,
The amount of money of commodity.
35. a kind of payment control method, payment flow involved in the transaction event that transactional services side monitors is by payment services
Fang Zhihang, the payment services side are that buyer user distributes virtual payment amount in advance, which comprises
After payment services method, apparatus is aroused by transactional services method, apparatus, judge whether the virtual payment amount of buyer user is less than friendship
The transaction amount N specified in easy order, if it is not, then carrying out virtual payment operation；The virtual payment operation includes: to buy described
The virtual payment amount of square user reduces N；Wherein, the transactional services method, apparatus is in the friendship for receiving buyer user's transmission
After easily initiating request, the trade order is created, and arouse payment services method, apparatus；
After completing the virtual payment operation, the transactional services method, apparatus push order is notified, so that the transaction takes
The trade order is pushed to seller user by business method, apparatus, so that the seller user executes the trade order；
After receiving the amount and restoring instruction, the virtual payment amount of the buyer user is increased into Q；Wherein, described
It is Xiang Suoshu after the transactional services method, apparatus receives the transaction cancellation instruction that the buyer user sends that amount, which restores instruction,
What payment services method, apparatus was sent；The Transaction section cancels instruction for cancelling the part quotient bought in the trade order
Product, Q are the amount of money of the part commodity.
36. a kind of payment control device, payment flow involved in the transaction event that transactional services side monitors is by payment services
Fang Zhihang, the payment services side are that buyer user distributes virtual payment amount in advance, and described device includes:
Order creation module creates trade order, and call out after receiving the transaction initiation request that the buyer user sends
Payment services method, apparatus is played, so that the payment services method, apparatus judges whether the virtual payment amount of the buyer user is less than
The transaction amount N specified in the trade order, if it is not, then carrying out virtual payment operation, and then sets the payment services side
For after completing the virtual payment operation, the transactional services method, apparatus push order is notified；The virtual payment operation
It include: that the virtual payment amount of the buyer user is reduced into N；
The trade order is pushed to seller user by order pushing module, is ordered so that the seller user executes the transaction
It is single；
Amount recovery module, if receiving the Transaction section that the buyer user sends cancels instruction, to the payment services
Method, apparatus sends amount and restores instruction, so that the payment services method, apparatus is after receiving the amount and restoring instruction, it will
The virtual payment amount of the buyer user increases Q；
Wherein, it is the part that the Transaction section, which cancels instruction for cancelling the part commodity bought in the trade order, Q,
The amount of money of commodity.
37. a kind of payment control device, payment flow involved in the transaction event that transactional services side monitors is by payment services
Fang Zhihang, the payment services side are that buyer user distributes virtual payment amount in advance, and described device includes:
Judging treatmenting module after being aroused by transactional services method, apparatus, judges whether the virtual payment amount of buyer user is less than friendship
The transaction amount N specified in easy order, if it is not, then carrying out virtual payment operation；The virtual payment operation includes: to buy described
The virtual payment amount of square user reduces N；Wherein, the transactional services method, apparatus is in the friendship for receiving buyer user's transmission
After easily initiating request, the trade order is created, and arouse payment services method, apparatus；
Notification module notifies the transactional services method, apparatus push order, so that institute after completing the virtual payment operation
It states transactional services method, apparatus and the trade order is pushed to seller user, ordered so that the seller user executes the transaction
It is single；
Amount recovery module increases the virtual payment amount of the buyer user after receiving the amount and restoring instruction
Add Q；Wherein, it is the transaction cancellation that the transactional services method, apparatus receives that the buyer user sends that the amount, which restores instruction,
After instruction, what Xiang Suoshu payment services method, apparatus was sent；The Transaction section is cancelled instruction and is ordered for cancelling the purchase transaction
Part commodity in list, Q are the amount of money of the part commodity.
38. a kind of computer equipment including memory, processor and stores the meter that can be run on a memory and on a processor
Calculation machine program, wherein realization such as claim 1~11 when the processor executes described program, 22~24,28~29,34~
35 described in any item methods.
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| CN112529576A (en) * | 2020-12-16 | 2021-03-19 | 支付宝(杭州)信息技术有限公司 | Resource processing method and device and payment processing method and device |
| CN116307875A (en) * | 2023-03-08 | 2023-06-23 | 重庆伏特猫科技有限公司 | Big data-based power order management system |
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Effective date of registration: 20200927 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant after: Innovative advanced technology Co.,Ltd. Address before: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant before: Advanced innovation technology Co.,Ltd. Effective date of registration: 20200927 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant after: Advanced innovation technology Co.,Ltd. Address before: A four-storey 847 mailbox in Grand Cayman Capital Building, British Cayman Islands Applicant before: Alibaba Group Holding Ltd. |
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Application publication date: 20191122 |